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General (Non Life) Insurance: Health, Motor, PA, etc.

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Complete Health Insurance Guide for IT Employees in India

on March 05, 2026

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Top 5 Health Insurance Companies for Software Engineers in India

on July 27, 2025

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Why Do Health Insurance Claims Get Rejected? Top 7 Mistakes to Avoid

on July 23, 2025

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How to Port Your Existing Corporate Health Insurance After Job Change in India

on July 20, 2025

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Blog by: Bharadwaj Sharma

Studied Fellowship in Insurance (FIII). Diploma in Health Insurance. Working as Insurance Risk Manager in General (Non Life) Insurance Industry.

Bharadwaj Sharma

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Health Insurance with Zero Waiting Period – Best Plans for Tech Employees in India

Most commonly heard term when it comes to health insurance is waiting period. It is the period during which claims of certain diseases / disorders are not allowed (may extend 1 to 4 years). For software developers, tech consultants and IT analysts who switch jobs frequently or those who work as freelancers, zero waiting period health insurance is a game-changer. It provides immediate access to coverage for pre-existing diseases (PEDs), or addons like maternity, OPD, and critical illnesses—without the usual wait period of 2–4 years. In this ultimate guide, we will explore the best health insurance plans in India which come with zero waiting period or have significantly reduced waiting times, suits perfect for tech professionals who value speed, protection, along with peace of mind. Read here to know best health insurance plans for IT professionals in India . What is Waiting Period in Health Insurance? A waiting period is the time policy holder must wait after buying a...

Best Family Floater Plans for Married IT Professionals in India [2025 Mega Guide]

For married IT professionals in India, health insurance isn’t just an option—it’s a necessity. With ever rising healthcare costs, huge work & family stress, erratic work hours, and mostly sedentary lifestyle, ensuring financial protection for both partners (and children & parents) is mandatory. Family floater plans are tailor-made for dual-income IT couples looking for comprehensive, flexible, and tax-efficient health coverage. We will also talk about family floater plans for single income married IT Professionals that can provide good coverage for entire family. This in-depth guide for 2025 explores the best family floater plans available in India, explains their key features & differences, and provides strategic advice to help software engineers, analysts, tech leads, and IT managers make smart insurance decisions. What is a Family Floater Health Insurance Plan? A family floater plan is a single health insurance policy that covers multiple members of a...

Waiting Period in Health Insurance: Meaning, Types & Plans with Low or Zero Waiting Period in India

Health insurance customers ask for sum insured, coverage, network hospitals, room rent limit, etc while purchasing a policy, but often overlook the concept of waiting period in health insurance. Go through this real incident: One of our agent approached me that his friend has inquired to purchase a health insurance policy. The prospective buyer inquired about coverage, cashless hospitalization and other aspects of the policy. I asked him, did you inquire about the health of the person, whether he is having any PED or suffering from any other health issue. Our agent told that the prospective customer is suffering from health ailment and that doctors have advised him to get admitted into hospital within 2 to 3 weeks. That person wanted to purchase policy with an intention to make claim for already existing condition. Our agent, being a family friend to that person, explained that it is not possible to give coverage for such situation. Our agent being honest, inform...

How to Port Your Existing Corporate Health Insurance After Job Change in India

Changing jobs is surely exciting but its challenging. It also brings some uncertainty, especially in insurance i.e. healthcare coverage. If you are only relying on your employer’s group health insurance, you will lose your protection after leaving the current job. Thankfully, IRDAI allow you to port your employer-provided corporate (group) health insurance to an individual policy so that you can enjoy seniority (date of first inception) benefits in the upcoming policy. In this comprehensive guide, software engineers and IT professionals need to understand that porting corporate health insurance will enable to have seniority of coverage after leaving or switching jobs—without losing benefits. What Does ‘Porting’ Mean in Health Insurance? Health insurance porting is transferring of your existing health insurance policy from one insurance company to another or from one policy type (group) to another policy type (individual), without losing continuity benefits like: Waitin...

Corporate vs Individual Health Insurance – Which is Better for Indian IT Employees?

IT professionals in India often enjoy corporate health insurance as part of their salary package. This is one thing management shows proudly in their CTC. However, company-provided coverage is just a convenience and often also raises an important question: is it enough? In an age of rising medical costs, working in IT industry that is infamous for job volatility, and evolving lifestyle diseases, specifically stress-borne issues like blood pressure and diabetes, relying solely on employer-provided coverage means, you are taking a big risk. Comparing corporate and individual health insurance plans to help understand IT employees choose the right path in 2025 and beyond. What Is Corporate Health Insurance? Corporate (generally, group policies) health insurance is a plan availed by your employer (from insurance company) to covers you, and often your family, during your employment with them. Employers will take a group policy to cover all their employees, their families in ord...

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